The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$20,482
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,119
−HK$647/mo
Today · 4.125%
HK$21,766
baseline
▲ 0.50% · 4.625%
HK$23,091
+HK$1,325/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$43,532/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,786
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,397
−HK$620/mo
Today · 4.125%
HK$24,017
baseline
▲ 0.50% · 4.625%
HK$25,283
+HK$1,266/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$48,034/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,578
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$25,343
−HK$776/mo
Today · 4.125%
HK$26,119
baseline
▲ 0.50% · 4.625%
HK$27,709
+HK$1,590/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$52,238/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,343
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$28,076
−HK$744/mo
Today · 4.125%
HK$28,820
baseline
▲ 0.50% · 4.625%
HK$30,339
+HK$1,519/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$57,640/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,674
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$29,566
−HK$907/mo
Today · 4.125%
HK$30,473
baseline
▲ 0.50% · 4.625%
HK$32,327
+HK$1,854/mo
Deposit HK$2.69M · loan HK$6.29M · min. income ≈ HK$60,946/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,900
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$32,756
−HK$868/mo
Today · 4.125%
HK$33,624
baseline
▲ 0.50% · 4.625%
HK$35,396
+HK$1,772/mo
Deposit HK$2.69M · loan HK$6.29M · min. income ≈ HK$67,248/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,867
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$38,014
−HK$1,165/mo
Today · 4.125%
HK$39,179
baseline
▲ 0.50% · 4.625%
HK$41,563
+HK$2,384/mo
Deposit HK$898K · loan HK$8.08M · min. income ≈ HK$78,358/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,014
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$42,114
−HK$1,116/mo
Today · 4.125%
HK$43,230
baseline
▲ 0.50% · 4.625%
HK$45,509
+HK$2,279/mo
Deposit HK$898K · loan HK$8.08M · min. income ≈ HK$86,460/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,467 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).